Total Visa Credit Card Review - YouTube

Hey, WalletHubbers!

Today, we’re talking about the Total Visa Credit Card.

If you’re looking for a quick overview, there are five things you really need to know

about the Total Visa Card…

First, the Total Visa Credit Card is an unsecured card that people with limited or damaged credit

can get.

In other words, you don’t need to place a refundable security deposit to get approved.

Second, the Total Visa Credit Card is very expensive.

For one thing, there’s an $89 “program fee” that you have to pay before even opening

an account.

Then, there’s a $75 annual fee the first year.

Starting year two, there’s an annual fee AND a monthly fee, adding up to a total of

$123 per year.

Third, the Total Visa Credit Card offers a credit limit of at least $300.

That won’t cover too many emergency expenses, especially since the annual fee will be subtracted

from your available credit initially.

You could have just a bit over $200 in spending power to start with.

Plus, any balance that you carry from billing period to billing period will rack up interest

charges at a REALLY high rate - above 30%.

Fourth, the Total Visa Card reports to all three major credit bureaus each month.

That gives you the opportunity to add positive credit history to your credit reports and

build a better credit score.

You just have to keep your account in good standing.

That means paying your bill on time every month and keeping your balance well below

your credit limit.

Fifth, the Total Visa Card may be better than some of the alternatives if you’re in a

bind and need to borrow.

But if you just want to rebuild your credit, consider a secured credit card instead.

Those are the five key things you really need to know about Total Visa.

You can learn more or apply for the Total Visa Credit Card online by clicking the button

here.

If you want some more info first, I’ve got you covered there, too…

For starters, a lot of people want to know whether the Total Visa Credit Card offers

any rewards...

I’ve got bad news for you: it doesn’t have any.

Few credit cards for people with limited or poor credit do.

Another common question is whether the Total Visa Credit Card does a credit check when

you apply?

Yes, there’s a hard inquiry into your credit history when you apply for the Total Visa

Credit Card.

This will likely cause a small, temporary decline in your credit score.

But that would be the case with any credit card you apply for, so you should pick the

card you go after carefully.

Similarly, does Total Visa guarantee approval for everyone, no matter how bad their credit

history is?

Unfortunately not.

While applicants with bad credit are considered for Total Visa, no credit card offers 100%

guaranteed approval.

There’s always some sort of requirement you have to meet.

At a minimum, the Total Visa Credit Card has the following requirements:

You must be at least 18 years old, be a U.S. resident, and make enough money to afford

monthly bill payments.

People who’ve applied also say you need a credit score of at least 550.

Finally, is there anything else worth knowing about the Total Visa Credit Card?

One thing worth mentioning is that the Total Visa Credit Card sometimes runs a promotion

where there are no cash advance fees for the first year your account is open.

But remember that cash advances have really high interest rates that apply right away,

so it’s still best to avoid them.

Another, probably less important detail, is that you’ll also have the opportunity to

choose your card design from the Total Visa gallery.

With that, you should have what you need to make an informed decision about the Total

Visa Credit Card.

To learn more, and submit an application, you can head to this button right here.